Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
Homeownership in Middle Island comes with lots of perks, but it also comes with its difficulties. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Choosing the best home warranty on the market can be quite a challenge because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty companies in Middle Island.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Middle Island residents. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Middle Island area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information on this provider, read our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Middle Island residents. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Middle Island area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Middle Island residents. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Middle Island area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Middle Island residents. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Middle Island area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information on this provider, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Middle Island residents. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Middle Island area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information on this provider, read our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Middle Island residents. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Middle Island area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information on this provider, read our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $7,373 |
| Heating | $4,915 |
| Electrical | $737 |
| Toilets | $614 |
| Washer/Dryer | $983 |
| Plumbing | $737 |
| Oven | $1,966 |
| Fridge | $737 |
A home warranty is a protection policy that assists Middle Island homeowners reduce the high costs of household repairs. These plans offer financial coverage to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include washers, dishwashers, refrigerators, microwaves, dryers, garbage disposals, and more. Covered systems are usually electrical, heating, plumbing, and air conditioning. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Middle Island homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for heating, AC, electrical, plumbing, and appliances. More extensive plans may also include additional items such as pools, spas, well pumps, and roof leaks. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with lower service fees to maximize savings. Some companies also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's rating provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair contractors they have in Middle Island and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks increase the probability of getting qualified contractors to quickly service your home.
Home warranty companies may include extras such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond basic repair coverage. Added perks can maximize the usefulness of the home warranty.
Temperatures in Middle Island can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Middle Island, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may have. A home warranty can also provide value in other ways. For instance, some policies can be transferred between owners during a home sale.
Home warranties also have some cons. Though it can save you time when the home warranty sends out a repair person who takes care of the repair for you, some people may not like this, and they would prefer to select a contractor themselves. If that’s important to you, some home warranty providers allow you to choose a contractor.
Another thing to bear in mind is that some providers don’t cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty in Middle Island can cost between $30 and $60 a month. Higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Middle Island.
Homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Middle Island, where the median value of a home is $429,221, having the seller pay for the home warranty can be a good asset for your new home.
